Sidney Bancorp., Sidney, Michigan, to become a bank holding company by acquiring 100 percent of the voting shares of Sidney State Bank, Sidney, Michigan.

Newspaper:

08/25/2007

Federal Register:

08/27/2007

SOUTHERN MICHIGAN BANCORP, INC.

* 3A5

Southern Michigan Bancorp, Inc., Coldwater, Michigan, to merge with FNB Financial Corporation, Three Rivers, Michigan, and thereby indirectly acquire First National Bank of Three Rivers, Three Rivers, Michigan.

Newspaper:

08/12/2007

Federal Register:

08/17/2007

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: